Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

We have already sent this company $775 of our money and they have not yet paid our credit cards with this money. We were trying to consolidate 3 credit cards for a lower interest rate. Started program back in November and the credit cards call 5 times a day, 7 days a week. We call 1st National Credit Services and they at one time tell me it takes one month to go into effect, and then another month they tell me they have sent payment to credit cards.

When I call I get someone with a low voice and ask to speak up and they won't,I then ask for SCOTT FAULK ,the person I dealt with in the beginning and they wouldn't let me talk to him.

I leave messages when they haven't yet opened when they should have opened and they never return my call. We believe they are a FAKE COMPANY stealing our money and ripping us off,they are damaging our credit history for good.

Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.

AUTHOR: Under - (U.S.A.)

SUBMITTED: Friday, July 15, 2005

POSTED: Friday, July 15, 2005

I worked for this company for 3 Years and Robert Bassolino used a different name on the phone. The name he used was George Lynch"(company Attorney)". He uses he's Father name alson Ralph Bassolino.
If you look under this name youll find more info. He also has companies open under his wife name:
Stella Carvajal and also under her sister Diana Cana or Diana Carvajal.
The main company name is:
1st national credit Services
They also own a restaurant La trattoria in Boca Raton, Florida
they also have another company named:
Colombian Leather ( His wife is from Colombia)
I also heard they have a guitar store in Boca Raton Florida.
I hope this info will help you

AUTHOR: Dan - (U.S.A.)

SUBMITTED: Tuesday, March 23, 2004

POSTED: Tuesday, March 23, 2004

I have won a judgement on 1st national credit corp in Campbell County, TN. They did not show up for the hearing, and probably will not show for the setting of the amount in April.
Everything they have been accused of is true and has happened to me.

They took money from my account multiple times in one month.

They did not pay my creditors.

They dropped me from the program twice and did not tell me....the creditors continued to call me and they told me.

English is not the first language of any of their telephone operators.

AUTHOR: Bob - (U.S.A.)

SUBMITTED: Thursday, July 10, 2003

POSTED: Thursday, July 10, 2003

First, in reponse to George Lynch, who figured that he was the lawyer? There is indeed a George Lynch however he is the registered agent for a great number of the Gibson Websites and the 1st National website. 1st National indicates George Lynch is the owner.. There are hundreds of them and I have compiled a list. As far as CFCCS, it is 100% a Gibson affiliated scam. The O'toole clan is all over it. Cheryl Chambers is supposedly the point person and has flat out denied any affiliation to Gibson. she and her husband sunk some money(an alleged loan) into the Gibson business. These guys are linked to First National.

Chambers is a "shill" for gibson. Chambers has stated that "O'Toole works out of her office as an internet consultant". Chambers husband Ron is in on it too !MONEY TALKS tried to talk to George Lunch several times. First they were told Lynch was on another line. Next they were told by "RUEDA" the ccounting manager that Lynch was out for the next 25-30 days. They finally spoke to Bassolino and he told them Lynch was out of the country on vacation for a month. Why would the OWNER of a company leave the country for 1 month when they were aquiring the large number of Gibson customers ? If George Lynch did not exist as an earlier post stated, how can he be on another line or out of the country. He does exist.

Check out the BBB of S. Florida, they are investigating 1st National for an inordinate # of complaints. Bassolino says that they have answered every complaint and resolved "all" of them. BBB complaints do not carry any legal weight. The bottom line is steer clear of 1st National. They ARE being investigated by the Florida Attorney General". I am surprised to see Bassolino's comments posted if it really is Robert/Ralph or whatever your name may be. Steer clear of all these people. If you want to know who the registered agent of any website is, go to godaddy.com and put in the website address.

AUTHOR: George - (U.S.A.)

SUBMITTED: Thursday, July 10, 2003

POSTED: Thursday, July 10, 2003

When I called up Lakeview Credit 1-877-326-2247 and spoke to Mitchell Feingold and his boss Steve Bis, I actually faxed my credit info to them 6 months ago when they were at 1st National Credit, I knew I remembered them and then I saw this post and it all clicked. That's why 1st National went out of business, they were reborn as www.Lakeviewcredit.com without even a corporation and shipping off their clients to intellidebt, which told me they were checked out and cannot no longe be an affiliate because of their lies and not even aving a corporation. What a pack of lies.

Checked the registration of the gibsontrust.com and it comes up as Mark Laymon @ 1-877-326-2247.
Beware!

AUTHOR: Elizabeth - (U.S.A.)

SUBMITTED: Wednesday, July 02, 2003

POSTED: Wednesday, July 02, 2003

I have checked out these creeps and they are definitely not related, they were competitors. At least I am glad to know that and secondly the response from Jim in Pompano. He is the owner of Gibson Trust and Now owns the Center for Credit Counseling in Deerfield Beach Florida, He walked away scott free after robbing millions. And he implied that they were together, what a crock!

AUTHOR: Mike - (U.S.A.)

SUBMITTED: Friday, May 30, 2003

POSTED: Friday, May 30, 2003

First off Robert start telling the truth, there was never a george lynch ever no one even lives in florida by that name.Second how the hack can you sign this as counsel when I checked the florida bar you dont have any law lic.Third you dont even make payments on time that you are suppose to and you have an office full of customer service people that dont even speak english let alone know the fist thing about consolidation. You say your lic and your not and your website is all lies. You say you resigned which is not true you just opened up under another name and put someone elses name on the company paper work. And if you did resign why is it that i hired a private investigator and he has informed me that you are there every day you get there in the afternoon usually and stay late at night.I guess thats the best time to cover your tracks. Why is it that after reading you contract you say your here to help people but if someone happens to fall off your program you charge them $300.00 After talking to other people who had been in your program can you explain how the hell you take money from peoples accounts 3,4,5,6,7, times in a month and cant explain why. How about you have unqualified people working for you. Thank god your not in new york because my friend you would be in jail they cosider that stealing not a mistake. A mistake happens once not 300 times to hundreds of clients.So I suggest you start telling the truth be a man and admit you screwed up and you will return the money. Maybe you will get lucky for telling the truth and the da office the irs and every other agency that is investigating you will cut you some slack. As far as your employees the ship is going down and there is not alot of life vest they better get off now before its to late!!!!!!!!

AUTHOR: Donna - (U.S.A.)

SUBMITTED: Saturday, April 19, 2003

POSTED: Saturday, April 19, 2003

Robert you are a liar.
No where in your little letter did you state that you took 442 dollars in a money order to open an account with your company.No where did it say that it was a payment for your services,in fact I was told that that money is in good faith for me to finish the program.When program is over I would get it back. I am still waiting.I want my 443$ back now!

The 3d party bank for 1st national credit service corp.
Darby Bank and Trust
georgia
info@darbybank.com
web site Darby Bank

CEO Walter Bowden who may or may not still have ties to businesses in Flordia.

I can't prove it but this might be the bank for Gibson trust and Goldstar financial.
everyone check with your bank to find out who the 3d party bank was where your money went.
If they won't copperate tell them you'll name them in your lawsuit.

Even though Gibson and Goldstar are defunct this bank is not and are covering fraudulent businesses. You can actually sue them.
1st NATIONAL CREDIT SERVICES CORP. WE ARE NOT STUPID.

AUTHOR: Donna - (U.S.A.)

SUBMITTED: Saturday, April 19, 2003

POSTED: Saturday, April 19, 2003

Robert you are a liar.
No where in your little letter did you state that you took 442 dollars in a money order to open an account with your company.No where did it say that it was a payment for your services,in fact I was told that that money is in good faith for me to finish the program.When program is over I would get it back. I am still waiting.I want my 443$ back now!

The 3d party bank for 1st national credit service corp.
Darby Bank and Trust
georgia
info@darbybank.com
web site Darby Bank

CEO Walter Bowden who may or may not still have ties to businesses in Flordia.

I can't prove it but this might be the bank for Gibson trust and Goldstar financial.
everyone check with your bank to find out who the 3d party bank was where your money went.
If they won't copperate tell them you'll name them in your lawsuit.

Even though Gibson and Goldstar are defunct this bank is not and are covering fraudulent businesses. You can actually sue them.
1st NATIONAL CREDIT SERVICES CORP. WE ARE NOT STUPID.

AUTHOR: Donna - (U.S.A.)

SUBMITTED: Saturday, April 19, 2003

POSTED: Saturday, April 19, 2003

Robert you are a liar.
No where in your little letter did you state that you took 442 dollars in a money order to open an account with your company.No where did it say that it was a payment for your services,in fact I was told that that money is in good faith for me to finish the program.When program is over I would get it back. I am still waiting.I want my 443$ back now!

The 3d party bank for 1st national credit service corp.
Darby Bank and Trust
georgia
info@darbybank.com
web site Darby Bank

CEO Walter Bowden who may or may not still have ties to businesses in Flordia.

I can't prove it but this might be the bank for Gibson trust and Goldstar financial.
everyone check with your bank to find out who the 3d party bank was where your money went.
If they won't copperate tell them you'll name them in your lawsuit.

Even though Gibson and Goldstar are defunct this bank is not and are covering fraudulent businesses. You can actually sue them.
1st NATIONAL CREDIT SERVICES CORP. WE ARE NOT STUPID.

AUTHOR: Donna - (U.S.A.)

SUBMITTED: Saturday, April 19, 2003

POSTED: Saturday, April 19, 2003

Robert you are a liar.
No where in your little letter did you state that you took 442 dollars in a money order to open an account with your company.No where did it say that it was a payment for your services,in fact I was told that that money is in good faith for me to finish the program.When program is over I would get it back. I am still waiting.I want my 443$ back now!

The 3d party bank for 1st national credit service corp.
Darby Bank and Trust
georgia
info@darbybank.com
web site Darby Bank

CEO Walter Bowden who may or may not still have ties to businesses in Flordia.

I can't prove it but this might be the bank for Gibson trust and Goldstar financial.
everyone check with your bank to find out who the 3d party bank was where your money went.
If they won't copperate tell them you'll name them in your lawsuit.

Even though Gibson and Goldstar are defunct this bank is not and are covering fraudulent businesses. You can actually sue them.
1st NATIONAL CREDIT SERVICES CORP. WE ARE NOT STUPID.

AUTHOR: Robert - (U.S.A.)

SUBMITTED: Thursday, April 17, 2003

POSTED: Thursday, April 17, 2003

Dear Consumers and Rip-Off Report,

We would formally like to apoligize for any confusion with the Defunct Corporation Gibson Trust. Through one of our affiliated lead Brokers, we have owned the site in question as a cross marketing tactic against a competitor Gibson Trust, Inc. When Gibson Trust, Inc went bankrupt and left the clients out in the open with no recourse. We decided to heavily market the site to help people maintain their rates and benefits with their creditors. As stated Clearly on that site;

On November 22, 2002, Gibson Trust, Inc. filed for bankruptcy under Chapter 7 (Liquidation) of the Federal Bankruptcy Act, case # 0228937. To obtain a proof of claim form, consumers should contact the Broward County Courthouse in writing at US Bankruptcy Court, 299 East Broward Blvd, Fort Lauderdale, FL 33301. The last date to file a claim is March 31, 2003.

If you are a Current Client and are in trouble, please fill out the following form. We are transferring all clients with trouble into a New Debt Management Program with 1st National Credit, they are adept at the transference and have the ability to renegotiate terms with your creditors. This renegotiation process is difficult, but can be done, resulting in clients staying in the debt management program with your creditors and having some or all of your late fees waived. The transgression period is approximately 15 - 45 days, so act quickly and they can Help You quickly with your situation. After 1st National Credit renegotiates, your creditors will re-constitute your plan. They will have a Renegotiation Specialist Counselor contact you within (24) Hours. If you are not interested in maintaining your program with your creditors any have other concerns, please direct them to the Broward County Courthouse in writing at US Bankruptcy Court, 299 East Broward Blvd, Fort Lauderdale, FL 33301.

Please note that Gibson Trust, Inc. has no affiliation with 1st National Credit Services and that 1st National Credit Services has been authorized by your creditors to do this transference on your behalf.

We never had any affiliation with our competitors nor will in the future. The Bankruptcy attorney for Gibson Trust has also asked us to remove the site. I do not feel it is necessary to comply with their lawyer, when it was clearly stated that we have no affiliation. The owner of Gibson Trust misled his customers by opening a new corporation called a Center for Credit Counseling located at the following:

We did not feel that was a riht thing to do and wanted to help these abandoned clients by getting on track with their creditors again. Which is very possible, but cannot be done overnight. That is where most people are confused and looking to place blame.

As of this date, we have answered and resolved ALL Attorney General Complaints, in Florida nad outside of Florida as can be evidenced. We have also resolved all BBB Complaints and yet we still have an unsatisfactory record through that agency. I do not know what else can be done as far as resolvement of these complaints that we have recieved. As far as the investigation into our firm from the Florida AG, that is true and we have been more than helpful to them in their investigatory practices.

We will try as always, tocorrect our mistakes, but our job is to help people avoid bankruptcy by offering them an alternative, but like any other business, you will never have all employees giving the same 150% effort, every day. If that were true, there would be no complaints. This is life, such as the sad reality that some people overextended their debt situation and need help, while others, contrary to creditor guidelines are simply in the program to reduce their interest rates, when they in fact, need no help.

As stated, in each and every signed agreement that these clients read and signed that they understood.
********************************
"CLIENT agrees that FNCS shall not be liable for any damages to CLIENT, including garnishments, levies, late fees, negative credit history, or repossessions. CLIENT is advised that in converting from direct payments to creditors to payments under the Program, there may be a delay of up to approximately Forty Five to Sixty ( 45 - 60 ) Days in making payments under the PROGRAM."
**********************************
That's pretty CLEAR, We are NOT and will never be a CREDIT REPAIR agency and we are not in the business of doing this, we are in the business of giving people an alternative to filing bankruptcy.
**********************************
CLIENT acknowledges that all payment made under the PROGRAM shall be made in the form of a MONEY ORDER, WESTERN UNION, ELECTRONIC BILL PAYMENT, MONTHLY AUTOMATIC ACH WITHDRAWAL or similar instrument and that PERSONAL CHECKS are subject to a (10) day hold time, which will cause the CLIENT to be late on their payments. Check-By-Phone or ACH Payments are also subject to a (4) day mandatory Federal Reserve Hold until such funds are made available to FNCS.

14. CLIENT acknowledges that all payment made under the PROGRAM shall be made in the form of a MONEY ORDER, WESTERN UNION, ELECTRONIC BILL PAYMENT, MONTHLY AUTOMATIC ACH WITHDRAWAL or similar instrument and that PERSONAL CHECKS are subject to a (10) day hold time, which will cause the CLIENT to be late on their payments. Check-By-Phone or ACH Payments are also subject to a (4) day mandatory Federal Reserve Hold until such funds are made available to FNCS.
****************************
Again, that's pretty clear, yet someone that sends a check, technically is defaulting, because they are getting the funds to us LATE and in turn to their creditors LATE.
****************************
FNCS will not inform any credit reporting agencies of your participation in the services provided by FNCS. FNCS assumse no responsibility with regard to any changes to your credit report based upon information reported by your creditors.
****************************
Back to the credit issue, Stated TWICE, we are not responsible for CREDIT, We are here to help avoid Bankruptcy.
****************************
ACH will inadvertently have some mistakes, it is not a Perefect System and as previously stated in another Rip-OFF Report, where there was a Double Draft, that client was refunded, but once we send this to the drafting agency and back and forth it is a hassle. We only have this option as a convenience to the client's, Best payment method is Money Order, there is NO hold time and is easily trackable.
****************************
9. CLIENT acknowledges that payments under the Program are to be made when due. In no event are payments to be made more than 30 days apart. Timely payment is important with respect to the re-aging of an account and the elimination of fees, and CLIENTS credit rating. FNCS shall not be responsible for any fees or delinquencies on accounts that are not paid timely. This Program and the management of the payments of CLIENTS account may not prevent CLIENTS credit rating from deteriorating. FNCS does not represent or warrant that the Program will improve CLIENTS credit rating. CLIENT acknowledges that a creditor may report to a credit bureau that such creditor is accepting payments from a third party, FNCS.
****************************
Third Pass on the Credit Warnings, Do not place the blame on us, if we clearly stated the guidelines and was agreed and signed off by the client.
***************************
Towards a different complaint, After a Counselor passes the client's Private information to our Customer Service Department, it is not in our policies to let the client speak to their counselor, when they do not have access to their file anymore. That is for the Security of the clients.
**************************
George Lynch, was legal counsel and previously stated and evidenced to Rip-Off Report, He was not a Practicing Lawyer and NEVER stated that he was. He has an in-depth knowledge of the laws and provided counsel. As far as the previous remark, about him being a Guitar Player, he is not nor the basketball player, that's simply ridiculous. As far as I am concerned, YES, I have resigned my position as President of FNCS, hence the change of Management. I am tired of not being able to spend time with my family to deal with clienetel that can not simply read their contracts and understand that it is not an OVERNIGHT Miracle to get out of DEBT, that has taken years to accumulate. FNCS and other reputable firms are simply the vehichles to enable people to have some relief and budget themselves properly for the future, but 85,000 Americans are not listening but trying to place blame. Husbands and Wives are fighting and divorcing over money and they cannot possibly expect us or anyone else to take that burden away within days or even the 1st 3 months.

AUTHOR: Gordon - (U.S.A.)

SUBMITTED: Saturday, February 22, 2003

POSTED: Saturday, February 22, 2003

Sharing credit information except between creditor and the person to whom the money is owed, apart from the reporting agencies is against the law. Please the Fair Debt Collect web site/act. I believe I was one of the first contated by 1st National and also Consumer Credit Counselling and reported this to the Florida State AG office as well as to an investigative reported for a Florida Newspaper who lter gave my name out to one of the companies as having reported them. Please be cautious of whom you deal with. In most cases ...at least according to my experience if you approach the credit card companies (except Citi Bank) they will work with you on the same or better terms.

AUTHOR: Gordon - (U.S.A.)

SUBMITTED: Saturday, February 22, 2003

POSTED: Saturday, February 22, 2003

Sharing credit information except between creditor and the person to whom the money is owed, apart from the reporting agencies is against the law. Please the Fair Debt Collect web site/act. I believe I was one of the first contated by 1st National and also Consumer Credit Counselling and reported this to the Florida State AG office as well as to an investigative reported for a Florida Newspaper who lter gave my name out to one of the companies as having reported them. Please be cautious of whom you deal with. In most cases ...at least according to my experience if you approach the credit card companies (except Citi Bank) they will work with you on the same or better terms.

AUTHOR: Gordon - (U.S.A.)

SUBMITTED: Saturday, February 22, 2003

POSTED: Saturday, February 22, 2003

Sharing credit information except between creditor and the person to whom the money is owed, apart from the reporting agencies is against the law. Please the Fair Debt Collect web site/act. I believe I was one of the first contated by 1st National and also Consumer Credit Counselling and reported this to the Florida State AG office as well as to an investigative reported for a Florida Newspaper who lter gave my name out to one of the companies as having reported them. Please be cautious of whom you deal with. In most cases ...at least according to my experience if you approach the credit card companies (except Citi Bank) they will work with you on the same or better terms.

AUTHOR: Gordon - (U.S.A.)

SUBMITTED: Saturday, February 22, 2003

POSTED: Saturday, February 22, 2003

Sharing credit information except between creditor and the person to whom the money is owed, apart from the reporting agencies is against the law. Please the Fair Debt Collect web site/act. I believe I was one of the first contated by 1st National and also Consumer Credit Counselling and reported this to the Florida State AG office as well as to an investigative reported for a Florida Newspaper who lter gave my name out to one of the companies as having reported them. Please be cautious of whom you deal with. In most cases ...at least according to my experience if you approach the credit card companies (except Citi Bank) they will work with you on the same or better terms.

AUTHOR: Frank - (U.S.A.)

We have been able to determine from helpful tips from our readers that an investigator has been identified in the Florida AG's Office, Shana Shakoff, 954-712-4600 ext. 4742.

If you have specific information about the continuation of unprincipled business practices, please be sure to post them on this website also, as several law enforcement agencies are involved in the investigation of this business.

AUTHOR: Jim - (U.S.A.)

SUBMITTED: Saturday, January 04, 2003

POSTED: Saturday, January 04, 2003

It should be noted this is the same 1st National Credit that has been contacting now bankrupt Gibson Trust clients, stating they were intercepting emails to Gibson and know their clients need assistance.

Rip Off Reports on Gibson Trust have fingered this firm by name and address as having knowledge of Gibson' client base. I'm not saying they are the same owners, but there seem to be ties.

Corporate Advocacy Program: The best way to manage and repair your business reputation. Hiding negative complaints is only a Band-Aid. Consumers want to see how businesses take care of business. All businesses will get complaints. How those businesses take care of those complaints is what separates good businesses from bad businesses.